As on 31st March

Net NPA as percentage to

Capital Adequacy Ratio

Bank Group/Bank

net Advances

1996

1997

1998

1999

1996

1997

1998

1999

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

State Bank of India and its Associates

State Bank of India

6.61

7.30

6.07

7.18

11.60

12.17

14.58

12.

State Bank of Bikaner and Jaipur

6.11

7.96

7.13

10.45

9.33

8.82

10.65

12.26

State Bank of Hyderabad

9.94

11.42

10.88

8.78

9.90

10.84

10.83

10.65

State Bank of Indore

9.62

11.29

10.96

N.A.

8.80

9.31

9.83

N.A.

State Bank of Mysore

8.59

10.96

10.75

10.55

8.81

10.80

11.61

10.23

State Bank of Patiala

6.60

5.88

7.04

8.23

9.51

11.25

13.24

12.47

State Bank of Saurashtra

5.70

6.05

6.57

7.70

12.38

12.14

18.14

14.35

State Bank of Travancore

7.38

8.82

12.21

10.50

9.40

8.17

11.48

10.27

Nationalised Banks

Allahabad Bank

16.00

14.84

15.09

12.54

9.68

11.00

11.64

10.38

Andhra Bank

3.29

4.10

2.92

N.A.

5.07

12.05

12.37

N.A.

Bank of Baroda

8.15

7.53

6.60

7.70

11.19

11.80

12.05

13.30

Bank of India

7.00

6.93

7.34

7.28

8.44

10.26

9.11

10.55

Bank of Maharashtra

9.39

9.66

8.59

8.72

8.49

9.07

10.90

9.76

Canara Bank

7.45

9.32

7.52

7.52

10.38

10.17

9.54

10.96

Central Bank of India

13.49

14.40

12.21

9.79

2.63

9.41

10.40

11.88

Corporation Bank

2.26

3.63

2.93

1.98

11.30

11.30

16.90

13.20

Dena Bank

7.30

9.38

8.28

7.67

8.27

10.81

11.88

11.14

Indian Bank

23.87

25.24

26.01

21.67

Negative

-18.81

1.41

Negative

Indian Overseas Bank

8.57

7.64

6.26

7.30

5.95

10.07

9.34

10.15

Oriental Bank of Commerce

3.60

5.64

4.50

4.50

16.99

17.53

15.28

14.10

Punjab National Bank

12.70

10.38

9.57

8.96

8.23

9.15

8.81

10.79

Punjab & Sind Bank

10.34

12.04

10.84

10.48

3.31

9.23

11.39

10.94

Syndicate Bank

8.39

7.53

5.78

3.93

8.42

8.80

10.50

9.57

Union Bank of India

5.94

6.98

7.66

5.70

9.50

10.53

10.86

10.09

United Bank of India

23.28

19.20

14.10

14.00

3.50

8.23

8.41

9.60

United Commercial Bank

11.43

13.73

11.14

10.83

7.83

3.16

9.07

9.63

Vijaya Bank

11.90

9.56

7.60

21.67

Negative

11.53

10.30

Negative

As on 31st March

Net NPA as percentage to

Capital Adequacy Ratio

Bank Group/Bank

net Advances

1996

1997

1998

1999

1996

1997

1998

1999

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Other Scheduled Commercial Banks

Bank of Madura

4.80

6.20

5.70

N.A.

10.93

12.19

13.72

14.25

Bank of Punjab

-

1.59

1.14

3.66

35.03

18.65

16.34

13.17

Bank of Rajasthan

4.40

8.82

9.14

9.50

11.08

10.13

5.54

0.83

Bareilly Corporation Bank

7.90

6.56

5.19

@

2.84

2.95

3.56

N.A.

Benares State Bank

17.62

11.30

16.85

29.71

3.41

2.99

4.12

N.A.

Bharat Overseas Bank

1.65

3.81

4.40

4.13

10.57

12.51

13.09

13.70

Catholic Syrian Bank

5.13

5.87

11.27

14.88

2.25

2.51

3.04

6.06

Centurion Bank

-

-

0.19

3.73

60.00

27.00

20.00

8.45

City Union Bank

4.49

5.30

7.54

7.96

9.26

9.47

11.60

14.30

Dhanalaxmi Bank

1.82

4.51

11.01

12.33

8.93

9.75

11.39

10.06

Development Credit Bank

5.24

5.93

5.02

4.79

27.35

23.47

19.79

16.90

Federal Bank

3.94

7.16

5.28

7.53

8.35

9.22

9.43

10.32

Ganesh Bank of Kurundwad

7.62

10.75

6.18

7.03

8.14

8.00

8.04

8.22

Global Trust Bank

-

4.47

2.98

2.15

9.36

10.16

10.28

11.97

HDFC Bank

-

-

1.24

0.73

23.53

22.25

13.92

20.20

ICICI Bank

-

1.73

1.14

2.88

17.52

13.04

13.48

11.08

IDBI Bank

-

1.00

0.32

1.28

162.00

17.90

9.82

11.28

Indus Ind Bank

-

2.08

3.96

7.20

18.19

12.90

17.91

15.16

Jammu & Kashmir Bank

5.09

6.03

4.57

3.79

13.40

15.58

20.48

24.48

Karnataka Bank

2.37

3.12

3.06

4.99

12.74

12.27

13.23

10.85

Karur Vysya Bank

0.86

1.20

1.87

4.35

10.92

12.76

14.47

14.53

Lakshmi Vilas Bank

2.19

4.66

6.07

6.72

9.80

10.64

10.35

9.64

Lord Krishna Bank

3.57

8.53

14.09

20.60

7.42

5.40

8.35

11.85

Nainital Bank

13.20

9.48

5.99

N.A.

9.19

9.86

9.46

13.81

Nedungadi Bank

7.76

6.17

9.41

12.23

4.34

11.97

12.85

10.24

Ratnakar Bank

7.37

6.87

6.84

6.84

11.11

9.85

10.41

10.41

Sangli Bank

10.26

11.28

9.43

11.58

6.21

8.03

10.98

8.26

South Indian Bank

4.94

5.87

6.16

N.A.

8.27

8.27

9.40

10.40

SBI Commerce & International Bank

9.25

6.48

7.89

21.88

11.56

30.59

27.69

28.90

Tamilnad Mercantile Bank

3.33

3.45

5.37

5.67

12.88

15.65

19.11

18.40

Times Bank

-

0.46

1.41

3.01

29.40

15.39

11.26

9.97

United Western Bank

9.36

8.63

5.73

8.28

10.65

10.20

9.87

11.64

UTI Bank

-

3.66

5.630

6.32

16.22

14.43

9.72

11.54

Vysya Bank

3.54

5.17

8.45

14.31

11.91

14.21

12.48

10.63

As on 31st March

Net NPA as percentage to

Capital Adequacy Ratio

Bank Group/Bank

net Advances

1996

1997

1998

1999

1996

1997

1998

1999

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Foreign Banks

ABN Amro Bank

0.05

1.15

0.42

0.45

8.13

9.16

9.82

9.27

Abu-Dhabi Bank Commercial Bank

3.78

1.71

5.94

3.59

8.65

9.47

10.29

10.01

American Express Bank

0.23

3.26

1.21

-

8.06

10.40

9.86

9.25

Arab Bangladesh Bank

@

-

-

-

@

122.00

144.00

124.00

Bank International Indonesia

@

-

-

10.53

@

27.46

28.03

57.26

Bank Muscat International

@

@

@

-

@

@

@

16.58

Bank of Bahrain & Kuwait

3.18

9.75

15.22

-

18.93

17.10

10.48

13.38

Bank of Ceylon

-

4.78

8.88

19.92

68.61

48.98

40.05

16.23

Bank of Nova Scotia

1.00

7.46

2.80

2.80

9.19

8.23

10.30

9.06

Bank of America

- 0.11

-

0.17

-

7.12

8.37

8.95

9.26

Bank of Tokyo

1.83

17.36

15.20

13.45

8.54

8.88

8.73

9.92

Credit Agricale Indosuez

1.51

6.75

16.44

24.75

8.38

8.83

8.40

8.56

Banque Nationale de Paris

-

-

-

-

8.71

8.88

8.80

9.09

Barclays Bank

-

5.10

9.30

3.35

9.56

11.62

14.52

12.90

British Bank of Middle East

2.40

6.50

11.79

19.92

10.31

12.07

10.01

16.23

Chase Manhattane Bank

-

-

-

-

29.84

18.27

13.03

12.53

Chinatrust Commercial Bank

@

-

-

4.73

@

84.09

146.33

28.51

Cho Hung Bank

-

-

1.41

1.88

@

63.00

46.00

42.00

Citibank

- 0.08

0.63

0.57

2.08

10.10

9.46

8.61

10.00

Commercial Bank of Korea

-

-

-

@

@

885.56

124.00

@

Commerz Bank

-

-

3.88

7.08

60.50

15.39

12.81

15.81

Credit Lyonnais

-

0.43

3.10

-

7.47

8.86

8.70

9.90

Deutsche Bank (Asia)

-

1.77

1.28

1.28

7.77

9.31

9.69

9.50

Development Bank of Singapore

-

5.61

9.19

4.93

24.84

26.41

31.47

23.26

Dresdner Bank

-

-

12.33

16.16

12.26

9.10

16.89

19.36

Grindlays Bank

0.26

0.28

0.59

0.03

8.68

8.98

9.05

9.04

Hanil Bank

@

@

-

@

@

@

97.70

@

Hongkong & Shanghai Bank

0.51

1.79

1.99

0.91

12.37

11.91

9.82

9.31

International Netherlandene Bank

-

-

-

5.67

10.54

11.00

12.91

12.79

KBC Bank

@

@

@

-

@

@

@

95.00

Krung Thai Bank

@

-

-

-

@

398.59

347.22

236.00

Mashreq Bank

1.44

22.30

22.49

24.21

10.97

17.52

29.84

12.13

Morgan Guaranty Trust

@

@

@

@

@

@

@

@

Oman International Bank

7.91

5.33

25.40

38.03

8.71

12.36

13.38

9.07

Overseas Chinese Bank

@

-

-

-

@

291.00

90.93

94.00

Sakura Bank

0.59

1.10

3.61

12.59

11.45

12.19

11.84

10.29

Sanwa Bank

0.59

0.22

0.69

10.65

33.47

24.02

30.35

31.22

Societe Generale

0.10

4.82

14.24

11.94

8.76

10.55

10.93

12.50

Sonali Bank

-

-

0.03

-

8.49

13.54

27.80

38.39

State Bank of Mauritious

10.35

33.00

1.79

10.76

100.09

66.42

73.50

46.78

Standard Chartered Bank

3.30

2.88

2.42

-

15.62

8.60

8.50

8.30

Sumitomo Bank

@

@

-

-

@

@

40.67

16.58

The Fuji Bank

@

-

-

6.02

@

82.82

43.45

23.62

The Siam Commercial Bank

-

-

-

10.51

181.57

19.00

30.00

39.00

Toronto Dominion Bank

@

@

-

-

@

@

86.61

-

Notes

:

1. @Not applicatble.

2. NA - Not available.

-

:

Nil or negligible.

Source

:

Report on Trend and Progress of Banking in India, 1997-98, Reserve Bank of India and annual accounts of banks.